Insurance policy ballot measures

Issues
Measures by topic
Measures by year
Measures by state

As a state ballot measure topic, insurance policy includes measures regarding insurance regulations, including rates, premiums, claims, cancellations, and coverage rules. The topic is grouped within the budget and tax policy area.

This page provides information on:

• upcoming ballot measures and
• a comprehensive list of ballot measures by year and state.

Upcoming ballot measures

See also: 2025 ballot measures and 2026 ballot measures

The following is a list of state ballot measures related to insurance policy certified for this year and future elections:

There are no ballot measures related to this topic that have qualified for the ballot.

List of state ballot measures

Click the tabs to view state ballot measures related to insurance policy, organized by year or state.

Years

States

2024

1. Colorado Amendment 79, Right to Abortion and Health Insurance Coverage Initiative (2024)

2022

1. Massachusetts Question 2, Medical Loss Ratios for Dental Insurance Plans Initiative (2022)

2014

1. California Proposition 45, Required Public Notice for Health Insurance Rate Changes Initiative (2014)
2. South Dakota Insurance Provider, Initiated Measure 17 (2014)

2012

1. California Proposition 33, History of Automobile Insurance Discount Initiative (2012)

2010

1. California Proposition 17, Car Insurance Rates Based on Coverage History Initiative (June 2010)
2. Missouri Proposition C, State Government Authority over Healthcare Measure (August 2010)

2006

1. Oregon Measure 42, Credit Score to Determine Insurance Premiums Initiative (2006)

2004

1. Nevada Question 4, Insurance Rate Reduction and Reform Initiative (2004)
2. Oregon Measure 38, Government to Assume SAIF Responsibilities Initiative (2004)

2002

1. California Proposition 44, Chiropractic License Revocation for Insurance Fraud Measure (March 2002)
2. Montana Local Government Insurance Asset Investment, C-36 (2002)

2000

1. California Proposition 30, Third-Party Unfair Claim Lawsuits Referendum (March 2000)
2. California Proposition 31, Limits on Third-Party Claimant Lawsuits Referendum (March 2000)
3. Georgia Amendment 3, Compensation for Injured First Responders Amendment (2000)
4. Georgia Amendment 5, Indemnification for State Highway Employees Amendment (2000)

1999

1. Texas Proposition 11, Property and Casualty Insurance Amendment (1999)

1996

1. California Proposition 200, No-Fault Vehicle Insurance Initiative (March 1996)
2. Montana Compensation Insurance Fund Investment, C-31 (1996)

1994

1. Michigan Proposal C, Auto Insurance Coverage Referendum (1994)

1992

1. Michigan Ballot Proposal D, Auto Insurance Rates and Lawsuits Initiative (1992)

1991

1. Louisiana Workers' Compensation Fund Amendment (October 1991)

1990

1. Arizona Proposition 105, Automobile Accident Exemption from Right to Recovering Damages Initiative (1990)
2. Georgia Amendment 4, Indemnification for Emergency Management Measure (1990)
3. Maine State Insured Mortgage Loans, Question No. 9 (1990)
4. Missouri Amendment 4, Department of Insurance Measure (August 1990)
5. North Dakota Insurance Agent Commission Rebates, Measure 7 (1990)

1989

1. Maine State Insured Mortgage Loans for Affordable Housing, Question 12 (1989)

1988

1. California Proposition 100, Motor Vehicle Insurance Discounts Initiative (1988)
2. California Proposition 101, Automobile Accident Claims and Insurance Rates Initiative (1988)
3. California Proposition 103, Insurance Rate Reductions and Regulation Initiative (1988)
4. California Proposition 104, No-Fault Automobile Insurance Initiative (1988)

1986

1. Georgia Amendment 2, Health Insurance for Public School Employees Measure (1986)
2. Georgia Amendment 8, Indemnification for Emergency Medical Technicians Measure (1986)
3. Georgia Amendment 9, Indemnification for First Responders Measure (1986)
4. Rhode Island Industrial Building Authority Expansion - Mortgage Insurance Question (1986)
5. Texas Proposition 3, Mutual Insurance Companies Amendment (1986)
6. Wyoming Worker's Compensation Coverage, Amendment 6 (1986)

1984

1. Texas Proposition 6, Mutual Insurance Premiums Amendment (1984)

1982

1. Georgia Amendment 3, Sovereign Immunity Measure (1982)

1981

1. Ohio Private Worker's Compensation Insurance Initiative (1981)

1980

1. California Proposition 3, Tax Deduction Based on Contribution to the Insurance Guarantee Association (1980)
2. Georgia Amendment 13, Life Insurance Company Taxation Measure (1980)
3. Georgia Amendment 6, Indemnification for First Responders Measure (1980)

1978

1. California Proposition 7, Local Government Insurance Pools Amendment (June 1978)
2. Georgia Amendment 22, Health Insurance for Retired Teachers Measure (1978)
3. Georgia Amendment 23, Indemnification for First Responders Measure (1978)
4. Maine Limits on State Guaranteed Loans, Proposed Constitutional Amendment No. 3 (1978)
5. North Dakota Peoples Control of Healthcare Costs Initiative, Measure 4 (1978)

1977

1. North Carolina Life Insurance Benefits for Spouse and Children Free from Creditors Amendment (1977)

1976

1. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)
2. California Proposition 6, Repeal of Insurance Company Tax Exemption Amendment (June 1976)
3. Georgia Amendment 10, Compensation for First Responders (1976)

1973

1. Rhode Island Industrial Building Authority, Proposal 8 (1973)
2. Rhode Island Recreational Building Authority, Proposal 9 (1973)

1972

1. Colorado Referred Law No. 11, No-Fault Insurance System Initiative (1972)

1968

1. Arizona Proposition 106, Department of Insurance Amendment (1968)
2. California Proposition 6, Taxation on Premiums for Retirement Benefit Contracts Amendment (1968)

1966

1. California Proposition 8, Insurance Tax Amendment (1966)
2. Georgia Amendment 12, Indemnification for Law Enforcement Assistance Amendment (1966)

1964

1. California Proposition 6, Retaliatory Taxes on Insurance Companies Amendment (1964)

1960

1. Georgia Amendment 16, County Liability Insurance Amendment (1960)

1958

1. Washington Referendum 30, Inheritance Tax on Insurance Measure (1958)

1952

1. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
2. Georgia Amendment 8, Social Security Coverage for State and Local Employees Measure (1952)

1950

1. Massachusetts Question 5, Uniform Statewide Motor Vehicle Insurance Rate Setting Initiative (1950)

1942

1. California Proposition 7, Taxation of Insurance Companies Amendment (1942)
2. Washington Referendum 22, Industrial Insurance Expansion Measure (1942)

1940

1. California Proposition 17, Personal Liability Insurance for Employees Amendment (1940)

1938

1. California Proposition 6, Insurance Company Taxation Amendment (1938)

1936

1. Montana State Insurance for Public Buildings, IR-37 (1936)

1932

1. North Carolina Insurance Protection Amendment (1932)

1930

1. California Proposition 17, Ocean Marine Insurance Tax Amendment (1930)
2. California Proposition 2, Fire Insurance Tax Amendment (1930)

1926

1. Montana Levy for Hail Insurance, Amendment 1(1926)

1924

1. California Proposition 10, Fire Insurance Company Taxation Amendment (1924)

1922

1. California Proposition 6, Population for Insurance Purposes Amendment (1922)

1920

1. California Proposition 14, Insurance Regulation Referendum (1920)
2. Oklahoma State Question 111, Insurance Organizations Amendment (1920)

1918

1. California Proposition 20, Health Insurance Amendment (1918)
2. North Dakota Hail Insurance Initiative (1918)
3. North Dakota Hail Insurance Referendum (1918)
4. South Dakota Amendment K, State Hail Insurance Measure (1918)

1916

1. Michigan Regulations on Fraternal Benefit Societies Initiative (1916)

1914

1. Michigan Regulation of Fraternal Beneficiary Societies Initiative (1914)
2. Wisconsin Question 3, State Annuity Insurance Amendment (1914)
3. Wisconsin Question 9, State Insurance Amendment (1914)

1913

1. Michigan Relief, Insurance, and Pensions for Fire Department Members Amendment (April 1913)

1912

1. Minnesota State Hail Insurance, Amendment 2 (1912)
2. Ohio Insurance Regulations Amendment (September 1912)

1910

1. Minnesota State Hail Insurance, Amendment 3 (1910)

1908

1. Minnesota State Hail Insurance, Amendment 3 (1908)

Arizona

1. Arizona Proposition 105, Automobile Accident Exemption from Right to Recovering Damages Initiative (1990)
2. Arizona Proposition 106, Department of Insurance Amendment (1968)

California

1. California Proposition 10, Fire Insurance Company Taxation Amendment (1924)
2. California Proposition 100, Motor Vehicle Insurance Discounts Initiative (1988)
3. California Proposition 101, Automobile Accident Claims and Insurance Rates Initiative (1988)
4. California Proposition 103, Insurance Rate Reductions and Regulation Initiative (1988)
5. California Proposition 104, No-Fault Automobile Insurance Initiative (1988)
6. California Proposition 14, Insurance Regulation Referendum (1920)
7. California Proposition 15, Taxation and Fees for Insurance Companies and Banks Amendment (1952)
8. California Proposition 17, Car Insurance Rates Based on Coverage History Initiative (June 2010)
9. California Proposition 17, Ocean Marine Insurance Tax Amendment (1930)
10. California Proposition 17, Personal Liability Insurance for Employees Amendment (1940)
11. California Proposition 2, Fire Insurance Tax Amendment (1930)
12. California Proposition 20, Health Insurance Amendment (1918)
13. California Proposition 200, No-Fault Vehicle Insurance Initiative (March 1996)
14. California Proposition 3, Tax Deduction Based on Contribution to the Insurance Guarantee Association (1980)
15. California Proposition 30, Third-Party Unfair Claim Lawsuits Referendum (March 2000)
16. California Proposition 31, Limits on Third-Party Claimant Lawsuits Referendum (March 2000)
17. California Proposition 33, History of Automobile Insurance Discount Initiative (2012)
18. California Proposition 44, Chiropractic License Revocation for Insurance Fraud Measure (March 2002)
19. California Proposition 45, Required Public Notice for Health Insurance Rate Changes Initiative (2014)
20. California Proposition 5, Changes to Corporation Taxes Amendment (June 1976)
21. California Proposition 6, Insurance Company Taxation Amendment (1938)
22. California Proposition 6, Population for Insurance Purposes Amendment (1922)
23. California Proposition 6, Repeal of Insurance Company Tax Exemption Amendment (June 1976)
24. California Proposition 6, Retaliatory Taxes on Insurance Companies Amendment (1964)
25. California Proposition 6, Taxation on Premiums for Retirement Benefit Contracts Amendment (1968)
26. California Proposition 7, Local Government Insurance Pools Amendment (June 1978)
27. California Proposition 7, Taxation of Insurance Companies Amendment (1942)
28. California Proposition 8, Insurance Tax Amendment (1966)

Colorado

1. Colorado Amendment 79, Right to Abortion and Health Insurance Coverage Initiative (2024)
2. Colorado Referred Law No. 11, No-Fault Insurance System Initiative (1972)

Georgia

1. Georgia Amendment 10, Compensation for First Responders (1976)
2. Georgia Amendment 12, Indemnification for Law Enforcement Assistance Amendment (1966)
3. Georgia Amendment 13, Life Insurance Company Taxation Measure (1980)
4. Georgia Amendment 16, County Liability Insurance Amendment (1960)
5. Georgia Amendment 2, Health Insurance for Public School Employees Measure (1986)
6. Georgia Amendment 22, Health Insurance for Retired Teachers Measure (1978)
7. Georgia Amendment 23, Indemnification for First Responders Measure (1978)
8. Georgia Amendment 3, Compensation for Injured First Responders Amendment (2000)
9. Georgia Amendment 3, Sovereign Immunity Measure (1982)
10. Georgia Amendment 4, Indemnification for Emergency Management Measure (1990)
11. Georgia Amendment 5, Indemnification for State Highway Employees Amendment (2000)
12. Georgia Amendment 6, Indemnification for First Responders Measure (1980)
13. Georgia Amendment 8, Indemnification for Emergency Medical Technicians Measure (1986)
14. Georgia Amendment 8, Social Security Coverage for State and Local Employees Measure (1952)
15. Georgia Amendment 9, Indemnification for First Responders Measure (1986)

Louisiana

1. Louisiana Workers' Compensation Fund Amendment (October 1991)

Maine

1. Maine Limits on State Guaranteed Loans, Proposed Constitutional Amendment No. 3 (1978)
2. Maine State Insured Mortgage Loans, Question No. 9 (1990)
3. Maine State Insured Mortgage Loans for Affordable Housing, Question 12 (1989)

Massachusetts

1. Massachusetts Question 2, Medical Loss Ratios for Dental Insurance Plans Initiative (2022)
2. Massachusetts Question 5, Uniform Statewide Motor Vehicle Insurance Rate Setting Initiative (1950)

Michigan

1. Michigan Ballot Proposal D, Auto Insurance Rates and Lawsuits Initiative (1992)
2. Michigan Proposal C, Auto Insurance Coverage Referendum (1994)
3. Michigan Regulation of Fraternal Beneficiary Societies Initiative (1914)
4. Michigan Regulations on Fraternal Benefit Societies Initiative (1916)
5. Michigan Relief, Insurance, and Pensions for Fire Department Members Amendment (April 1913)

Minnesota

1. Minnesota State Hail Insurance, Amendment 2 (1912)
2. Minnesota State Hail Insurance, Amendment 3 (1908)
3. Minnesota State Hail Insurance, Amendment 3 (1910)

Missouri

1. Missouri Amendment 4, Department of Insurance Measure (August 1990)
2. Missouri Proposition C, State Government Authority over Healthcare Measure (August 2010)

Montana

1. Montana Compensation Insurance Fund Investment, C-31 (1996)
2. Montana Levy for Hail Insurance, Amendment 1(1926)
3. Montana Local Government Insurance Asset Investment, C-36 (2002)
4. Montana State Insurance for Public Buildings, IR-37 (1936)

Nevada

1. Nevada Question 4, Insurance Rate Reduction and Reform Initiative (2004)

North Carolina

1. North Carolina Insurance Protection Amendment (1932)
2. North Carolina Life Insurance Benefits for Spouse and Children Free from Creditors Amendment (1977)

North Dakota

1. North Dakota Hail Insurance Initiative (1918)
2. North Dakota Hail Insurance Referendum (1918)
3. North Dakota Insurance Agent Commission Rebates, Measure 7 (1990)
4. North Dakota Peoples Control of Healthcare Costs Initiative, Measure 4 (1978)

Ohio

1. Ohio Insurance Regulations Amendment (September 1912)
2. Ohio Private Worker's Compensation Insurance Initiative (1981)

Oklahoma

1. Oklahoma State Question 111, Insurance Organizations Amendment (1920)

Oregon

1. Oregon Measure 38, Government to Assume SAIF Responsibilities Initiative (2004)
2. Oregon Measure 42, Credit Score to Determine Insurance Premiums Initiative (2006)

Rhode Island

1. Rhode Island Industrial Building Authority, Proposal 8 (1973)
2. Rhode Island Industrial Building Authority Expansion - Mortgage Insurance Question (1986)
3. Rhode Island Recreational Building Authority, Proposal 9 (1973)

South Dakota

1. South Dakota Amendment K, State Hail Insurance Measure (1918)
2. South Dakota Insurance Provider, Initiated Measure 17 (2014)

Texas

1. Texas Proposition 11, Property and Casualty Insurance Amendment (1999)
2. Texas Proposition 3, Mutual Insurance Companies Amendment (1986)
3. Texas Proposition 6, Mutual Insurance Premiums Amendment (1984)

Washington

1. Washington Referendum 22, Industrial Insurance Expansion Measure (1942)
2. Washington Referendum 30, Inheritance Tax on Insurance Measure (1958)

Wisconsin

1. Wisconsin Question 3, State Annuity Insurance Amendment (1914)
2. Wisconsin Question 9, State Insurance Amendment (1914)

Wyoming

1. Wyoming Worker's Compensation Coverage, Amendment 6 (1986)

See also

• List of ballot measures by topic